The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$13,309
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,723
−HK$421/mo
Today · 4.125%
HK$14,144
baseline
▲ 0.50% · 4.625%
HK$15,005
+HK$861/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$28,288/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,807
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,204
−HK$403/mo
Today · 4.125%
HK$15,607
baseline
▲ 0.50% · 4.625%
HK$16,429
+HK$822/mo
Deposit HK$2.92M · loan HK$2.92M · min. income ≈ HK$31,214/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$131,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,971
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,468
−HK$505/mo
Today · 4.125%
HK$16,973
baseline
▲ 0.50% · 4.625%
HK$18,006
+HK$1,033/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$33,946/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,768
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,244
−HK$484/mo
Today · 4.125%
HK$18,728
baseline
▲ 0.50% · 4.625%
HK$19,715
+HK$987/mo
Deposit HK$2.33M · loan HK$3.50M · min. income ≈ HK$37,456/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$131,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,633
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,213
−HK$589/mo
Today · 4.125%
HK$19,802
baseline
▲ 0.50% · 4.625%
HK$21,007
+HK$1,205/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$39,604/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,729
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,285
−HK$564/mo
Today · 4.125%
HK$21,849
baseline
▲ 0.50% · 4.625%
HK$23,001
+HK$1,152/mo
Deposit HK$1.75M · loan HK$4.09M · min. income ≈ HK$43,698/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$131,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,957
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,702
−HK$757/mo
Today · 4.125%
HK$25,459
baseline
▲ 0.50% · 4.625%
HK$27,008
+HK$1,549/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$50,918/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,652
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,367
−HK$725/mo
Today · 4.125%
HK$28,092
baseline
▲ 0.50% · 4.625%
HK$29,573
+HK$1,481/mo
Deposit HK$584K · loan HK$5.25M · min. income ≈ HK$56,184/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$131,329 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).